📦 Best credit cards for online shopping
Ranked by effective rewards rate — factoring in point values, caps, and annual fees.187 cards compared.
Amazon Prime Store Card
Synchrony · No annual fee
Amazon Prime Visa
Chase · No annual fee
Discover It
Discover · No annual fee
Cap: $1500/quarterly
Hilton Honors Business
American Express · $175.00/yr
Strata Premier
Citi · $95.00/yr
Venture
Capital One · $95.00/yr
Venture X
Capital One · $395.00/yr
Apple Card
Apple · No annual fee
Blue Cash Everyday
American Express · No annual fee
Cap: $6000/annual
Customized Cash Rewards
Bank of America · No annual fee
Cap: $2500/quarterly
PayPal Cashback Mastercard
PayPal · No annual fee
Altitude Reserve
U.S. Bank · $400.00/yr
Showing top 12 of 187 cards
How to choose
The best card for online shopping depends on how much you spend in this category each year, whether you prefer cash back or transferable points, and whether the annual fee is worth the extra rewards.
Look at the effective rate — not just the headline multiplier. A 3x points card with 1¢ per point earns the same as a 3% cash-back card. Cards with caps earn the bonus rate only up to a spending threshold, then drop to the base rate.
Add your cards to PerkPro to see which one in your wallet actually earns the most on each online shopping purchase, with caps and bonus deadlines tracked automatically.